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Insurance solutions for Plumbers

Marsh offers insurance solutions for plumbers, with three main coverage options including public liability, personal accident (or sickness) and tools insurance. Choose a level of cover that suits your business that can help protect your plumbing business against common risks.

Specialist insurance coverage for licensed plumbers

Plumbers' insurance solutions aim to protect you from everyday risks, preventing hefty out-of-pocket expenses in case of a claim. We offer coverage options such as public liability, personal accident and illness and tools and equipment cover, which can be customised to fit your needs.

The most common type of insurance for plumbing businesses is public liability insurance. With coverage arranged by Marsh for plumbers, you can choose a level of public liability insurance that suits your business.

Our public liability insurance meets all the Victorian Building Authority (VBA) requirements for licenced plumbers and Marsh has been partnered with Master Plumbers for over 20 years as a trusted risk and insurance broker.

Cover for plumbers

  • Plumbers public liability cover

    Public liability insurance provides cover for your business up to the liability limit you choose.
  • Tools and equipment cover

    If your tools are damaged, lost or stolen, it can be expensive to replace them. Tools and equipment cover can help pay for the replacement or repair of your essential equipment.
  • Personal accident and sickness cover

    Depending on the policy you choose, personal accident and sickness insurance can provide a weekly benefit, a capital benefit lump sum and business expenses coverage.
  • Compliant insurance for Victorian Plumbers

    The public liability insurance meets all the VBA requirements for licenced plumbers. Plumbers from Victoria, we’ve got you covered.

Cover we can arrange

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Public Liability

  • Cover for damage or injury to third parties caused by your error or negligence. your third-party liability and property damage because of you or your businesses negligence.

  • Option for VIC plumbers Ministerial Order.

  • Same day issue of Certificate of Currency.

  • Errors and omissions cover up to $250,000.

  • Option for type B gas fitting work.

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Tools and equipment cover

  • Australia-wide accidental damage full replacement cover for damaged or stolen gear, including lasers, locators, cameras, and other expensive tools.

  • Can Include theft in ‘open air’ of tools on an incomplete site.

  • Broad cover (not limited to ‘defined events’, such as just fire, or just theft).

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Personal accident and sickness insurance

  • Capital lump sum or weekly benefit for up to 104 weeks and up to 90% of income.

  • 24/7 protection. You’re covered at work (reduced by workers compensation) and outside of work.

  • Can include business expenses.

What isn’t typically covered?

Specific exclusions for any insurance cover vary depending on your policy. However, there are some general things that many insurance policies typically do not cover. These can include:

  • Intentional damage
  • Wear and tear
  • Faulty workmanship
  • Illegal activities
  • Pre-existing conditions 
  • Injuries sustained under the influence of alcohol or illegal substances
  • Self-inflicted, non-accidental injuries

Why should plumbers consider insurance?

If something goes wrong on a job as a result of your negligence a claim against you can impact your livelihood.

If you've not adequately crimped a fitting resulting in a burst pipe. It could mean legal bills and significant costs. Public liability is designed to support you during these types of negligence claims.

If you leave your tools onsite overnight, and they are stolen. Tools and equipment cover can give you full a replacement Australia-wide.

If you are injured or become unwell, personal accident and sickness insurance can provide a short-term weekly benefit for up to a maximum of 104 weeks.

Why Marsh?

Why Australian plumbers choose Marsh

Master Plumber risk partner

For over 20 years, Marsh has partnered with Master Plumbers as a trusted risk and insurance broker, helping businesses of all sizes navigate their unique risks.

Victorian Building Authority (VBA) compliance

The public liability insurance meets all the VBA requirements for licenced plumbers. Plumbers from Victoria, we’ve got you covered.

Claims advocacy

Handling an insurance claim can take precious time away from running your business, at a time when you’re possibly scrambling to get things running smoothly again. We use our expertise to advocate on your behalf to the insurer where there is a dispute on coverage.

Australian expertise, global capabilities

Our Australia-wide network of brokers have spent supporting business owners just like you. We understand your business, how you work, and your everyday challenges. Insurance shouldn’t be one of them.

Related insurance solutions for tradies

Products and services

Business vehicle insurance

No doubt you’ve got a vehicle to move around jobs and carry your tools. Talk to us about your van, ute or other motor vehicle insurance. Cover for theft, damage, replacement, and more.

Products and services

Workshop property insurance

If you have a workshop or premise you work from, we can arrange coverage for that too. Talk to us about property insurance cover for your premises.  Cover for storm, fire, or malicious damage.

Products and services

Business interruption cover

If your business is interrupted by storm, fire or flood, this cover is designed to keep your business running.

Frequently asked questions

If you provide advice or design services to your clients, we strongly recommend you may want to considering professional indemnity insurance. 

Professional indemnity insurance can cover your business for allegations of negligence involving a breach of professional duty. This is typically excluded under public liability insurance.

You bet. You’re working around water, pipes and fixtures all day. An unsecured pipe or leak can cause significant damage. If that happens because of something you’ve done (or haven’t done) it could mean legal action and the costs associated with that, as well as any damages that result.

Or worse, you could injure yourself or someone else. If you can’t work, your income could dry up, or you could face the stress (and costs) of legal action from another party. 

Public liability is an industry standard. This insures you against damage to other people or property, including customers, passersby, or other people on site.

Tools and equipment insurance covers you against having your equipment or tools stolen from either your worksite, out of your van or ute, or if they get damaged.

Personal accident and illness insurance means that if you injure yourself, either while you’re working or enjoying the weekend, or if you’re permanently disabled and can’t work, you can have a weekly benefit reduced by workers compensation for a period of time to meet your financial obligations.

Some insurers will offer you only ‘defined events’ cover, which covers you for only those things you must specify, such as fire or collision damage. There’s often also an exclusion if your tools are stolen from a working site, unless they are locked away on that site.

Our insurance solutions can offer you full damage, full replacement Australia-wide cover, including water damage and theft in open air cover. So, if you leave your tools on a working site and they are stolen, you can be covered. It can also cover your expensive equipment, like your lasers and locators.

The cost of your cover depends on a variety of factors: the amount and type of cover you need, the size of your business and type of work you do. The fastest way to find out how much it might cost is to get an online quote.

LCPA 25/198